Karen Cardenas is a financial advisor at Merrill with Series 63 and Series 65 licenses and seven years of industry experience. She has worked at several major firms, including Morgan Stanley, Charles Schwab, Citigroup, and JPMorgan. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Robert Cianci is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. His prior roles include long tenures at Securities America Advisors and Securities America Inc, as well as experience with PNC Wealth Management, Chase Investment Services Corp., Banc of America Investment Services, Inc., and Quick & Reilly, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a wide range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational tools and extensive financial service offerings.

Anthony Soeira is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has nine years of industry experience. His prior roles include positions at Santander Securities, LLC and M&T Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and various non-advisory financial services.

Wayne Sholk is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Raymond James since 2015. Outside of his advisory role, he manages a support company he owns. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports municipal and public finance work through a municipal advisor affiliation.

Paolo Cerri is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. His prior roles include positions at Santander Securities, LLC, Santander Bank, NA, Family First Funding, and C&J Partnership. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Anand Dookie is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 12 years of industry experience. He has worked with LPL Financial since 2016 and was previously associated with Fogel Neale Partners. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced research and operational tools.

Michele Nielsen is a financial advisor with Fidelity Investments in Red Bank, NJ, holding Series 63 and Series 66 credentials and bringing 39 years of industry experience. She has been with Fidelity and its affiliated entities since 2006. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across various investment vehicles.

Mary Delorenzo is a financial advisor with Merrill in Staten Island, NY, holding Series 63 and Series 66 credentials and 26 years of industry experience. She has been with Merrill since 1997. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Howard Shallcross is a financial advisor with Morgan Stanley in Shrewsbury, NJ, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2012 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, Shallcross teaches macroeconomics at Brookdale Community College. Morgan Stanley Wealth Management provides advisory programs to both individuals and institutional clients, offering tailored financial planning supported by advanced analytical tools and a wide range of investment services.

Robert Vitiello is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 34 years of industry experience. His career includes 26 years at Metlife Securities Inc. and ongoing roles with MassMutual Life Insurance Company and Mass Mutual Investors Services since 2016 and 2017, respectively. In addition to his advisory work, he is a CPA providing tax preparation services and operates as an independent insurance agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing firm-approved software and collaborative planning methods to develop investment strategies without discretionary authority.

Mahul Balar is a financial advisor with Equitable Advisors in Marlboro, NJ, holding Series 63 and Series 65 designations and 19 years of industry experience. He has worked at Equitable Advisors since 2012 and previously was with Axa Advisors and Eagle Strategies. Outside of his advisory role, he participates as a member of real estate investment LLCs and spends time analyzing and investing in real estate opportunities. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a variety of advisory models and third-party asset managers to deliver tailored investment solutions.

Timothy Mulhern is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Wells Fargo Clearing, and Citigroup Global Markets. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, leveraging both proprietary research and third-party strategies.

Michelle Mc Tamney is a financial advisor with Edward Jones in Rahway, NJ, holding a Series 66 designation and five years of industry experience. Prior to joining Edward Jones in 2021, she worked at Kraftware Corporation from 2016 to 2021. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices.

James Gallagher is a financial advisor at Morgan Stanley with 34 years of industry experience. He has held roles at Morgan Stanley since 2013 and at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers services including structured planning tools and broad retail and institutional investment solutions.

Patricia Donelan is a financial advisor at LPL Financial with 47 years of industry experience. She holds the Series 63 and Series 65 credentials. Her prior experience includes roles at Wells Fargo Clearing, UBS Financial Services, and Momentum Independent Network. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Jonathan Scott is a financial advisor at LPL Enterprise with a Series 66 credential and two years of industry experience. He has previously worked with Prudential Insurance Company of America, Pruco Securities LLC, and Liberty Mutual Insurance. Outside of his advisory role, he co-owns Humidor Collective Group LLC, a business focused on cigar hospitality and management. LPL Enterprise provides investment advisory and brokerage services to a diverse clientele, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance products through its affiliated entities.

Garrett Morrison is a financial advisor with Equitable Advisors in Woodbridge, NJ, holding a Series 66 designation and nine years of industry experience. He has been with Equitable Advisors since 2017 and previously worked at AXA Advisors, LLC. Outside of his advisory role, he serves as power of attorney for his mother, assisting with her financial affairs. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of advisory models implemented through both proprietary programs and third-party managers.

Jason Weinstein is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1998 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Justin Sonta is a financial advisor with Edward Jones in Atlantic Highlands, NJ, holding Series 63 and Series 66 registrations with 21 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory role, he is a silent partner in several commercial real estate ventures based in Hackensack, NJ. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management, offering a range of advisory programs and affiliated investment products through a large nationwide network of advisors and branch offices.

Daniel Seitz is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Bank of America, Merrill, and Morgan Stanley. Outside of his advisory work, he serves as Vice President of CEDJR, LLC, a non-investment-related business. Wells Fargo Advisors is a national securities firm with over 14,000 financial advisors, offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from its own investment institute and third-party sources to provide brokerage and advisory solutions.